Lost or stolen card?
We can't replace cards — only the issuer can. The phone number on the back of your card is the fastest path.
Read what to doWe're a small team, and we'd rather over-explain than leave you guessing. Send us the details below and a person — not a bot — will reply within one business day.
Three things our inbox sees every week. If one of these matches what you're dealing with, the answer is one click away.
We can't replace cards — only the issuer can. The phone number on the back of your card is the fastest path.
Read what to doPre-authorizations, maintenance fees, and split-tender purchases account for most of the gaps people see.
See common causesBrand-new cards sometimes need 24 hours, and a few retailers don't activate at the register at all.
Activation timingA real person reads every message. First reply within one business day.
Monday through Friday, 9:00 AM – 6:00 PM Eastern. We answer weekend mail Monday morning, in the order it landed.
The more specific, the faster we can route your note to someone who can solve it.
We're a balance-checker, not the card issuer — these are the requests we have to bounce so you don't waste a day waiting on us.